SELLING HEALTH INSURANCE ACROSS STATE LINES

From a legal point of view, insurance companies could have national programs for health insurance now if all the states would allow it.  There is a big problem, however, in that the insurance company would have to negotiate providers and other aspects of the health care in each state to establish a national program.  Right now, say you live in North Carolina, you could probably sign up for health care in, say, Alabama, but would you want to go to Alabama to see a provider?*

Also what would happen if a provider had a national plan instead of a state plan is the low-rate community plan would increase and the high rate communities would decrease, each to some unknown extent.

Also I don't know why no health insurance company will service some counties.  Is the county heath really that bad that they feel they cannot make money servicing those counties?

There are some national programs now.  The AARP health care backup plan is national, the VA of course**, and the FEHP (Federal Employees Health Program) is national.

While congress is under Obamacare, they are reimbursed 72% of the gold plan, but nothing if they choose a lower rated plan.  If they qualify for retirement (You need at least 5 yrs of service), they can retire under FEHP.

*https://www.nytimes.com/2015/09/01/upshot/the-problem-with-gop-plans-to-sell-health-insurance-across-state-lines.html
http://www.naic.org/documents/topics_interstate_sales_myths.pdf
** https://www.va.gov/HEALTHBENEFITS/cost/insurance.asp